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Gardner C. Lane

Loan Officer
475 Kilvert St, Ste 110, Warwick, RI 02886
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NMLS: 217954
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TestimonialsCustomer testimonials Read more

My wife and I began working with Gardner when we purchased our first residence in 2007. His work is professional, credible, and reliable. He was able to secure us a competitive interest rate in a time of extreme market volatility. We have found his commitment to service outstanding, and as such we have used him on multiple occasions to refinance our existing loans. We have and will continue to recommend Gardner's work to friends and colleague.

Jason C.

Gardner has been very professional, creative and responsive in the 3 years that I have worked with him. I highly recommend him.

Rich L.

Gardner came to us highly recommended, and after working with him the recommendation was well deserved. Gardner was able to meet with my wife and I on a Saturday to discuss the new realities of the mortgage market after the credit guidelines were tightened. He was able to guide us into a realistic budget and provide us with a mortgage on a very tight closing time line. I would highly recommend him to anyone looking for a mortgage

Edward T.

Garnder is an excellent resource when looking to finance or re-finance your home. Gardner's vast experience with both residential and investment loans allows him to help his clients make informed decisions, not to mentioned that he is extremely easy to work with and has excellent follow up and customer service ... which is why he gets my client's repeat business!

Megan T.

Gardner is an excellent mortgage broker. He is extremely patient, detail oriented, organized and proactive. We bought during a difficult time when the mortgage rules were constantly changing. Gardner was very thorough and walked us through the process so we were educated buyers. We have since recommended Gardner to several friends who have had a great experience as well.

Ellen T.

As a part-time realtor, I am grateful for Gardner's advice and patience. I have consulted with Gardner for my own needs, as well as one of my clients. He has been very attentive and offers great products and service.

Patricia Z.

I recommend Gardner as a qualified professional who has the interests of the client at heart. He tells it like it is in a calm and relaxed manner that allows a client to relax and LISTEN to what they need to do to reach their financial goals. As a Broker who tends towards being a hundred miles an hour, Gardner is the perfect compliment to my business when it comes to clients finances and funding.

Laurie A.

Gardner is very detail oriented, fully explains options, and is efficient. He helped me with a refinance back in 2009 that has been working great. I would highly recommend him.

Michael F.

Gardner is extremely knowledgeable of the Chicago market and Cook County relevant tax and related new home-buyer concerns. Very helpful throughout the process of shopping, purchasing, then considering refinancing options for my first condo.

Sharon V.

Mr. Lane was our mortgage officer when I purchased my house in 2012. We were extremely pleased with his performance. He is helpful, professional and knowledgeable in this field. He was able to secure the lowest available rate for us. I strongly recommend Mr. Lane for all mortgage related tasks.

Nima R.

Gardner is the ultimate professional who is on top of the mortgage game. Last year he assisted me with a painless re-fi of our home that resulted in an almost unheard of savings. Gardner come armed with knowledge and integrity. I highly recommend him for your re-fi needs.

Paul S.

Every aspect of our loan transaction with Gardner Lane and his firm was well managed. He is a very capable professional who I recommend enthusiastically

Ray H.

Gardner Lane is an accomplished finance professional. He is courteous, well informed, professional and delivers results. He endeavors to work your banking requests until he delivers on his representations. He takes the initiative and does not quit the task before him. I personally recommend him for mortgage and banking needs. Rest assured with Gardner Lane.

Albert T.

I have worked with Gardner on two mortgages and both experiences have been great. While the mortgage process can be somewhat complex, Gardner does a wonderful job of clarifying the process and details of the loan. I would highly recommend Gardner for his patience, timeliness, integrity, and ability to handle atypical mortgage situations.

Ben M.

Gardner was a pleasure to work with in obtaining a mortgage on our house. I highly recommend him!

Sarah H.

Gardner is great to work with: organized, efficient and very personalized service. He understood our needs and found a solution which not only worked but also provided significant financial savings. In working with a few loan officers over the years, my experience with him was among the best.

Julia S.

Gardner was instrumental in helping my wife and I purchase our first home. He gave us excellent advice and a valued education on the various types of mortgages, and he found us an affordable, reliable mortgage at a time when many people were placed in different situations. We have refinanced with him with the same results and certainly will use him for any future mortgage needs. His work has been superb.

Tim S.

I chose Gardner originally because of his association with Westport. I was very impressed with his attention to detail, his professionalism, his willingness to explain all the information thoroughly in laymen's terms and his personal touch. At closing, our lawyer said that in all his years, no lender had ever come to the closing to support the buyer. As it was a two hour drive for Gardner, this was above and beyond expectations. I recommend using Gardner for any lending transaction

Ryan M.

Gardner is detailed, thorough broker who works to understand the needs and requirements of his clients. His many years of experience allows the correct solution to be arrived at quickly.

Darren-Andrew N.

I worked with Gardner Lane and his team to refinance my home. Working with him was a joy. He provided quick responses and was easy to communicate with. The information he provided had clarity and our process was quick and easy. I highly recommend working with him and his team.

Betty R.

Gardner served as our broker about two years ago and did an incredible job. His attention to detail and caring approach really stood out for us. He went out of his way at every stage, and even turned up in person at the closing, which is no longer common practice.

Christian A.

Gardner is thorough and professional. He knows the details of his business & how to be sucessful. I have utilized his expertise on 2 seperate occasions - both were outside of the norm. Thank you Gardner!

Joe S.

"Working with Gardner Lane to secure the mortgage on my home was wonderful. While the process for buying a home seems to naturally come with its share of headaches, Gardner was patient, thorough, and very clear about my options. Throughout it all I felt he had my best interests in mind and sought to help me make wise decisions. He was friendly and professional, and I'm happy to have had him in my corner"

Frankie B.

"Having been both a commercial and private property investor Gardner understands the challenges and intricacies associated with buying and selling. He couples this with depth of knowledge related to products and services as they fluctuate within the industry. In the mortgage business there is honestly a glut of inexperienced 'hacks' out there that miss things costing customers time and money. Gardner is the exact opposite. When you want a mortgage done on time correctly there really there...

Jason S.

"Gardner Lane and his team handled my mortgage for a new home purchase wonderfully. They were attentive, responsive and focused on getting me the right product in the predetermined timelines for closing. I highly recommend Gardner and will use his services for all my future needs. I will recommend him to all my friends and associates. Very happy with the entire process. Thank you Gardner!!"

Scott L.

"Before working with Gardner, I never would have thought that if a friend asked me if I knew a good mortgage broker, my answer would be, "Definitely, call this guy Garner Lane." But it's true today! From my very first contact with Gardner, he was extremely helpful and made himself available to me any time of day for any type of question. Unlike every other broker I vetted, Gardner's sales approach was very low pressure and he wasn't in a rush to get me to sign any document or put any money...

Patricl C.

Gardner Lane was calm, polite, persistent when necessary, and helped push it through on time.

David L. -- Little Compton, RI. 9/29/2014

Gardner Lane and his team were exceptional! I've worked with Gardner Lane in the past and he is a consummate professional as well as very knowledgeable!

Joseph I. -- New York, NY 8/26/2014

Gardner was excellent! He was very responsive, knowledgeable and helpful!

Culhane D. -- Newton, MA 6/30/2014

Gardner and his staff were the greatest! I don't think that I would have a house today without their extremely hard work and persistence! Gardner and his team were all true professionals!

Christopher D. -- Sandwich, MA 6/19/2014

" Gardner was a pleasure to do business with because he promptly handled my questions, concerns and solved problems as they occurred. Great service and he’s a nice guy!"

Robert A. -- Bonita Springs, FL -- 5/2013

Hey check out the glowing review from Mi-Ri about Gardner! “My husband and I are very thankful to Gardner Lane for encouraging us to go through this refinancing process. Gardner was the first to respond to my on-line inquiry. He was very informative, clear, consistent, persistent and reassuring all the way. Gardner also gave me a sound advice which I thought was very helpful. We are very happy that our mortgage was refinanced at much lower rate. I think more mortgage loan officers should...

Mi-Ri S. -- Readville, MA -- 04/013

Hey check out the great review from Kate about Gardner! “I had a great experience re-financing with Gardner at Guaranteed Rate. The whole process clear and easy as easy loans can go! I highly recommend Gardner. Thanks again!” https://www.facebook.com/guaranteedRate1

Kate S. -- Somerville, MA -- 03/2013

Hey check out the amazing review from Betty about Gardner! “Thinking about refinancing or mortgage shopping? Highly recommend Gardner C. Lane and the services of Guaranteed Rate Mortgage Company! Gardner services were exceptional!” https://www.facebook.com/guaranteedRate1

Betty R. -- Chicago, IL-- 01/2013

Completely satisfied with Guaranteed Rate. The service was very professional especially Gardner Lane. He was extremely helpful in closing our loan on time. The rate was good. Today we requested information for a second loan for an investment property. We certainly will recommend your company to others.

Joe & Carole S. - East Boston, MA 7/2012

Gardner Lane has been exceptionally helpful, honest and professional during the (Mortgage) process. He exhibits knowledge, excellent customer service, and follows up with details of the loan process in simple terms. I would highly recommend him and your company to family and friends. I will apply for additional loans in the future.

Joseph S. - East Boston, MA 5/2012

My wife and I began working with Gardner when we purchased our first residence in 2007. His work is professional, credible, and reliable. He was able to secure us a competitive interest rate in a time of extreme market volatility. We have found his commitment to service outstanding, and as such we have used him on multiple occasions to refinance our existing loans. We have and will continue to recommend Gardner's work to friends and colleagues. Hired Gardner as a Mortage Banking in Summer 2007,...

Jason C, Lincoln Park

Gardner has been very professional, creative and responsive in the 3 years that I have worked with him. I highly recommend him. Top qualities: Personable, Expert, High Integrity

Rich L, Lincoln Park - Fall 2010

Gardner came to us highly recommended, and after working with him the recommendation was well deserved. Gardner was able to meet with my wife and I on a Saturday to discuss the new realities of the mortgage market after the credit guidelines were tightened. He was able to guide us into a realistic budget and provide us with a mortgage on a very tight closing time line. I would highly recommend him to anyone looking for a mortgage. Top qualities: Personable, Expert, High Integrity

Edward T, Lakeview - Summer 2009

Gardner is an excellent mortgage banker. He is extremely patient, detail oriented, organized and proactive. We bought during a difficult time when the mortgage rules were constantly changing. Gardner was very thorough and walked us through the process so we were educated buyers. We have since recommended Gardner to several friends who have had a great experience as well. Top qualities: Personable, Expert, High Integrity

Ellen W, Roscoe Village - Spring 2009

Gardner is an excellent resource when looking to finance or re-finance your home. Gardner's vast experience with both residential and investment loans allows him to help his clients make informed decisions, not to mention that he is extremely easy to work with, has excellent follow up, and customer service ... which is why he gets my client's repeat business!

Megan T, Coldwell Banker

About Gardner

My wife Elizabeth and I live with our 2 beautiful daughters (Edie and Emily) on the beach in Westport, MA. Our home is at the southern-most point of the Massachusetts/ Rhode Island border. We truly are at the end of the road! Upon moving East in Summer 2011, I decided to focus my professional energy on becoming the most educated and informed residential mortgage originator (loan officer) in the business. When one is looking to buy or finance a home, I have an answer to your scenario.

I work for the Chicago-based Guaranteed Rate, now the 8th largest mortgage lender in the United States. Guaranteed Rate can lend in all 50 states, but I focus my attention on Chicago and the Northeast Corridor (NY, DC metro area & MA). My past endeavors in real estate investment had me owning and managing as many as 60 apartment units at one time in several neighborhoods across downtown Chicago.

Beyond work, I am quite active and civic minded. Most recently, I have joined the Board of my children's school, Moses Brown in Providence, RI. Another current labor of love is in heading up a $2.5M fundraising effort to build youth sports fields in my adopted hometown of Westport, MA. Before moving east, I was an Alumni Trustee at the Latin School of Chicago. On a fun note, I was involved as a volunteer in the effort to bring the Olympics to the city of Chicago in 2016. I have an MBA from DePaul University in Chicago concentrating in Real Estate Finance, my undergraduate degree is from the University of Colorado - Boulder. I spent my 3rd year of college at the London School of Economics in central London.

Gardner interview Q&A

Who is your typical customer and what questions do they typically have?
I work with a wide range of borrowers: from first-time home-owners to the most seasoned real estate investor. One common trait is the desire to work with an intelligent, well-meaning mortgage professional who has their best interests at heart.
Tell us about a mortgage product that consumers may not be aware of?
I have found that FHA has been an underutilized product for multi-unit properties. The ability of a borrower to subsidize their housing expense with a tenant is a long-running tradition. The extra income takes away some of the strain of owning a home and being a landlord is not nearly as time-consuming or hard as one may think. FHA allows for a 3.5% down payment on a 4 unit property.
What can borrowers do to insure a smooth mortgage underwriting process?
A borrower should expect the mortgage process to be thorough. A smooth mortgage process comes about when a borrower is open, honest and organized. The borrower will be supplied with a checklist of items to pass along to the bank for approval (Personal and Business Tax Returns, W2s, Paystubs, Bank Statements, etc.). Do not piecemeal the items - get them organized and sent over in one foul swoop! If you know of an oddity in your situation bring it up during the initial pre-approval process. Neither the bank or the borrower likes surprises late in the process.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am an alum of the Latin School of Chicago. I have been incredibly active in helping the school build its Annual Fund gifts from alumni over the years. We more than doubled annual gifts during my time at the helm.
Tell us something that makes you unique or something wacky, yet interesting about you?
My wife Elizabeth and I are working hard to raise our two beautiful daughters Edie and Emily.

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